Medical health insurance becomes extra important when living in places with hurricanes like the two Caribbean islands on which Clara Wiggins has lived. Clara has survived multiple hurricanes. This includes being in Jamaica, when it was hit by force 5 Hurricane Ivan in 2004, and later coming home to a flooded house after Hurricane Tomas in St Lucia in 2010. Here, she gives her advice on what to do if you find yourself living in the path of a giant storm.
The title of this post might be what to do when a hurricane hits, but really you should start your preparation long in advance of the moment the storm reaches you. There are no excuses not to be prepared these days – if you move to a part of the world where hurricanes, typhoons, cyclones or other large storms are a common occurrence, you should take steps to protect yourself, your home, and your family by claiming medical health insurance. Additionally, modern weather prediction means you will usually know at least a few days in advance if you are likely to be in the direct path of the storm– and whether it’s picking up or losing power as it approaches. So what can you do to make sure you are ready – and that you survive the storm if it does hit?
If you are moving to a country where extreme weather events are a common occurrence (the Caribbean, parts of Southern USA, the Philippines, Japan all being good examples), then make sure you have everything you need for the day that inevitable storm arrives, including health and medical insurance. Basics include torches and batteries, baby wipes, essential medicines, nappies and formula if you have a baby. Keep a supply of non-perishable food and bottles of water all year round, separate and away from your usual store cupboard (so you won’t be tempted to raid it and then forget to re-stock!). If you can, add a small camp stove or something that can at least boil some water and heat a tin of beans. Not only are you likely to be confined to the house for the duration of the storm, but you may also be without electricity for a few days. A good first aid kit is important. Hopefully, you won’t need it, but there can be a lot of flying debris during a hurricane, so it’s better to be able to treat any minor cuts and bruises yourselves rather than attempt to get to a doctor or hospital.
Closer to the dates when storms are most likely to occur, make sure you know any local evacuation routes. If you need to, do you have a way to keep in contact with others in your family? Phone lines and mobile coverage might be affected. What about schools – what are their plans during an evacuation situation? How will they contact you if they need to? Check over your food and water store and re-stock if necessary. If you're panicking about a forecast storm, talk to one of our Medibroker experts and rest assured you won't need to spend hard-earned time searching for a suitable medical health insurance policy to protect yourself.
You should have good notice if a hurricane is heading towards you – most of these storms start at sea and only become a threat once they start to reach land. The Weather Channel, the National Hurricane Centre and other sources are all good predictors of what is heading where and how hard it will hit.
As soon as it looks like one might be coming your way, fill your car up with petrol in case you need to evacuate, check the car over and, if possible, put it somewhere safe and undercover. If you need to, stock up with extra food and water. You may want to board up your windows – if you haven’t already done so, now is the time to buy the boards (before they sell out) and work out how to get them up.
Within 24 hours of the storm’s predicted arrival, put up your boards and move any outdoor furniture you have into your house. Move as much of your furniture as possible into the centre of every room. If flooding is likely, also move as much as you can off the floors. Collect together any important paperwork (passports, insurance papers etc) and put them into something waterproof. If you think evacuation is a possibility, pack a bag for everyone in your family (don’t forget pets!), including all the important paperwork. Looting is always a possibility in homes abandoned in an emergency, so try and think about what you might want to take with you – although bear in mind where you will be going. Keep listening to all broadcasts on the radio and television. Decide which part of the house is the safest – this should be somewhere with the fewest windows, so if you have an interior room like a bathroom you might want to think about setting up a home in there in case things get really hairy. Stock it up with pillows, books, games – it may be a long night. Fill your bathtub(s) and sink with water.
Don’t go outside, stay away from windows and in no circumstance try and fix fallen cables or similar. If necessary, turn off your power supply (if it hasn’t already been switched off by the authorities). You might feel safer in the windowless room – even if it’s just for a few hours. If you do still have electricity, keep listening to all broadcasts. If you are told to evacuate, follow instructions. There may be a lull as the “eye” of the hurricane passes over; this might not last long so be careful if you do go outside and don’t venture far.
Once you are sure the storm has passed and it’s safe to go out, check around your property for damage, and if necessary, call in on any neighbours who might need extra assistance to make sure they are okay. Once power is restored, listen to the news for roads that have been blocked or airports closed. It may take a few days for things to return to normality, and of course, for some people, it never will. Hurricanes can be difficult for expatriates without expat health insurance but devastating for locals who live in far less secure and solid housing. This is the time to give back to your host nation – check whether any of your local staff need assistance, or help with fund-raising efforts. It's also important to remember that claiming medical health insurance from our Medibroker experts will ensure you have protection in the situation that you encounter a hurricane.
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